README.md

---
title: Archon AI
emoji: 🪙
colorFrom: blue
colorTo: gray
sdk: gradio
sdk_version: 6.4.0
app_file: app.py
pinned: false
license: apache-2.0
short_description: 'Archon: Professional Financial Resilience Engine'
---

<div align="center">

# 🪙 ARCHON-AI

### Professional Financial Resilience Engine

[![Gradio](https://img.shields.io/badge/Built%20with-Gradio-orange?logo=gradio)](https://gradio.app/)
[![Python](https://img.shields.io/badge/Python-3.8+-blue?logo=python)](https://python.org)
[![License](https://img.shields.io/badge/License-Apache%202.0-green.svg)](https://opensource.org/licenses/Apache-2.0)
[![HuggingFace Spaces](https://img.shields.io/badge/🤗-Hugging%20Face%20Spaces-yellow)](https://huggingface.co/spaces)

*Sistem Analisis Kesehatan Finansial Nasabah Berbasis Kecerdasan Buatan*

</div>

---

## 📋 Deskripsi

**Archon-AI** adalah aplikasi *Financial Resilience Engine* yang dirancang untuk menganalisis dan menilai kesehatan finansial nasabah secara komprehensif. Sistem ini menggunakan pendekatan multi-fase untuk memberikan insight yang akurat dan rekomendasi yang actionable bagi nasabah.

### 🎯 Fitur Utama

| Fitur | Deskripsi |
|-------|-----------|
| **🔍 Analisis Transaksi** | Mengklasifikasikan pengeluaran menjadi *essential* vs *discretionary* |
| **📊 Risk Scoring** | Menghitung skor risiko finansial dengan bobot multi-faktor |
| **💡 Next Best Offer (NBO)** | Rekomendasi produk/layanan yang sesuai kondisi nasabah |
| **📈 Visualisasi Interaktif** | Dashboard dengan grafik arus kas, komposisi belanja, dan tren saldo |
| **📝 Laporan Naratif** | Penjelasan kondisi keuangan yang mudah dipahami |

---

## 🏗️ Arsitektur Sistem

Archon-AI menggunakan arsitektur 6 fase:

```
┌─────────────────────────────────────────────────────────────────┐
│                        ARCHON-AI PIPELINE                       │
├─────────────────────────────────────────────────────────────────┤
│  FASE 1: Data Loading      → Load transaksi, saldo, repayment  │
│  FASE 2: Intelligence      → Semantic Parser untuk klasifikasi │
│  FASE 3: Risk Calculation  → Hitung expense ratio, trend saldo │
│  FASE 4: Risk Scoring      → Bobot 30/20/20/20/10              │
│  FASE 5: NBO Engine        → Generate rekomendasi produk       │
│  FASE 6: Explainable AI    → Narrative summary generation      │
└─────────────────────────────────────────────────────────────────┘
```

### 📊 Komponen Risk Scoring

| Komponen | Bobot | Deskripsi |
|----------|-------|-----------|
| Expense Ratio | 30% | Rasio pengeluaran terhadap pendapatan |
| Balance Trend | 20% | Tren pertumbuhan/penurunan saldo |
| Overdraft History | 20% | Riwayat saldo negatif |
| Missed Payments | 20% | Keterlambatan pembayaran cicilan |
| Base Score | 10% | Skor dasar |

---

## 🛠️ Teknologi

- **Frontend**: [Gradio](https://gradio.app/) - UI Framework
- **Data Processing**: [Pandas](https://pandas.pydata.org/), [NumPy](https://numpy.org/)
- **Visualization**: [Plotly](https://plotly.com/)
- **AI Integration**: [Google GenAI](https://ai.google.dev/)
- **Deep Learning**: [PyTorch](https://pytorch.org/), [Transformers](https://huggingface.co/transformers/)

---

## 📦 Instalasi

### Prasyarat

- Python 3.8 atau lebih tinggi
- pip (Python package manager)

### Langkah Instalasi

1. **Clone repository**
   ```bash
   git clone https://github.com/username/Archon-AI.git
   cd Archon-AI
   ```

2. **Buat virtual environment** (opsional tapi disarankan)
   ```bash
   python -m venv venv
   
   # Windows
   venv\Scripts\activate
   
   # Linux/macOS
   source venv/bin/activate
   ```

3. **Install dependencies**
   ```bash
   pip install -r requirements.txt
   ```

4. **Setup environment variable**
   ```bash
   # Buat file .env
   GOOGLE_API_KEY=your_api_key_here
   ```

---

## 🚀 Menjalankan Aplikasi

```bash
python app.py
```

Aplikasi akan berjalan di `http://localhost:7860`

---

## 📂 Struktur Project

```
Archon-AI/
├── 📄 app.py                    # Aplikasi utama Gradio
├── 📄 requirements.txt          # Dependencies Python
├── 📓 Archon_Development.ipynb  # Notebook development & training
├── 📄 .env                      # Environment variables
│
├── 📁 archon_v1/                # Model yang telah di-train
│   ├── 📄 config.json
│   ├── 📄 model.safetensors
│   ├── 📄 tokenizer.json
│   ├── 📄 tokenizer_config.json
│   └── 📄 vocab.txt
│
└── 📊 Data Files/
    ├── 📄 transactions.csv      # Data transaksi nasabah
    ├── 📄 customers.csv         # Data profil nasabah
    ├── 📄 balances_revised.csv  # Data saldo bulanan
    ├── 📄 repayments_revised.csv # Data pembayaran cicilan
    └── 📄 offers.csv            # Data penawaran produk
```

---

## 📖 Cara Penggunaan

1. **Buka aplikasi** di browser
2. **Masukkan Customer ID** (format: C0001 - C0120)
3. **Klik tombol "ANALYZE CUSTOMER"**
4. **Lihat hasil analisis** yang mencakup:
   - Status kesehatan finansial (LOW/MEDIUM/HIGH Risk)
   - Skor risiko (0.00 - 1.00)
   - Efisiensi belanja dalam persentase
   - Rekomendasi dan langkah-langkah implementasi

---

## 🎨 Kategori Risiko

| Level | Skor | Warna | Rekomendasi |
|-------|------|-------|-------------|
| 🟢 **LOW** | < 0.4 | Hijau | Optimalkan Tabungan |
| 🟡 **MEDIUM** | 0.4 - 0.7 | Kuning | Edukasi Pengelolaan Kas |
| 🔴 **HIGH** | ≥ 0.7 | Merah | Program Restrukturisasi |

---

## 🤝 Kontribusi

Kontribusi sangat diterima! Silakan:

1. Fork repository ini
2. Buat branch fitur (`git checkout -b feature/AmazingFeature`)
3. Commit perubahan (`git commit -m 'Add some AmazingFeature'`)
4. Push ke branch (`git push origin feature/AmazingFeature`)
5. Buka Pull Request

---

## Lisensi

Apache 2.0.